By Ocean Park Asset Management
The Ocean Park Diversified Municipal Bond Model seeks to produce satisfying long-term returns while limiting downside risk. Returns are created from interest income as well as increases in bond prices. The interest income from municipal bonds is tax-exempt at the federal level, providing a valuable benefit for clients in relatively high income tax brackets. The Model diversifies a client’s account directly and indirectly among a…
From: Indiana University Foundation
The Indiana University Foundation has put together an estate planning guide coursebook and record book as resources for retirement planning.
To access the estate planning coursebook click here.
To access the estate planning record book click here.
Go to page: Should you take a goal-based financial approach?
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Have you heard of goal-based investing?
This mindset simply involves saving and investing for a particular purpose. You might also call this a SMART approach: specific, measurable, achievable, relevant and time-bound.
Regardless of your investing activities, reviewing your finances and establishing clear goals (along with a plan to reach them) can be a helpful activity for…
From: www.sfchronicle.com
My parents lived good lives and expected to die good deaths. They exercised daily, ate plenty of fruits and vegetables, and kept, in their well-organized files, boilerplate advance health directives. But when he was 79, my beloved and seemingly vigorous father came up from his basement study, put on the kettle for tea, and had a devastating stroke….
From: www.kitces.com
Executive Summary
“Home is where the heart is.” Or at least that’s what they say. When it comes to state income taxes and other legal matters (from family law to asset protection), though, home is where your domicile is… whether your heart – or your body – is there or not.
Fortunately, for many or even most people, determining domicile…
From: www.wsj.com
Investors everywhere think a 5-star rating from Morningstar means a mutual fund will be a top performer—it doesn’t
Millions of people trust Morningstar Inc. to help them decide where to put their money.
From pension funds to endowments to financial advisers to individuals, investors rely on Morningstar’s star ratings to help divide $16 trillion among America’s mutual funds, in much the way shoppers use Amazon’s ratings…
Today, your retirement portfolio may include stocks, bonds and mutual funds that all play a part in helping you achieve a successful retirement. However, you may want to consider adding an annuity, which can complement your portfolio by providing attributes for retirement those categories do not offer. The chart below outlines these retirement attributes, particularly the ability of annuities to deliver the reliable lifetime income you’ll need in retirement. Annuities may not be right…
Go to page: Medicare Is Confusing, But It Doesn’t Have to Be
By Sharon Wagner (www.seniorfriendly.info)
Twenty-three percent — that’s the number of seniors who stated that reviewing their Medicare plan was the most unpleasant task among choices such as going to the dentist and getting a colonoscopy. Why? Medicare and all its parts and supplements are confusing. Medicare Part A, B, C, D, Medigap — what…
From: www.medicaidplanningassistance.org
Medicaid Spend Down: An Overview
For Medicaid eligibility for long-term care, an applicant must have income and assets under a specified amount (as well as have a need for long-term care). If the applicant’s income or countable assets exceed Medicaid’s financial limits in their state, it is possible to become eligible by “spending down” one’s income…
Go to page: Which remodeling projects might actually pay off?
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
When you consider your investment opportunities, do you think about your house, too? Many homeowners take on remodeling projects with the goal of increasing the value of their property.
Does every big project necessarily yield an ROI, however? What about smaller upgrades?
Whether you plan to sell soon or in a few years, here’s what to…
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